16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures

Why would advertisers be allowed on the annual free credit report site at all. If we are trying to get our free report we don't want to pay for anything. There are enough commercials on radio, TV, etc. for anyone who wants to pay for their services. I, also, feel the whole credit report process should be changed and better monitored. I bought a car and took out a loan and my credit score went down because I was told the credit report process takes it for granted that I will not make payments on a new loan so until I prove different my credit score goes down. In the meantime, my car and home insurance goes up because my credit score has gone down. This isn't the only problem I have had with the credit score. I was getting bad credit scores and checked my credit report and found numerous reports of bad debt from a relative with the same first and last name on my credit report. Do the credit score companies not check social security numbers? I can get one free credit report a year. What, then, happens for the rest of the year when I can't see my credit report? I have written several letters to the FTC and did not receive any kind of answer to my problems with the credit score companies and why the FTC would allow them to create bad credit scores for someone who has never even been late on a payment in the 59 years of his life. One problem with our economy, in my opinion, is the credit score companies who can give a person any kind of report they want to because they think a rule like lowering the credit score when a person takes out a new loan because they take it for granted the person will not make payments on the new loan. Shouldn't it be taken for granted the person will make the payments until it is proven different? I am now afraid to buy a car or anything that requires a loan because that will affect my credit score negatively and I will be paying more on car and home owners insurance, which are already ridiculously high.